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PolicyMe’s Perks

A+ rating

PolicyMe’s rating by the Better Business Bureau

Reimburse $100/session*

*Maximum available coverage

Generally most coverage offered

Generally most mental health coverage from a Health Insurance Provider in Canada

Start getting help for common issues:

Stress
Anxiety
Navigating Grief
Depression
Relationships
Trauma & PTSD
Addiction
Substance Use
Self-Esteem
Life Transitions
Anger Management
Eating Disorders
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Get coverage for your mental health practitioner:

Clinic counsellor

Specializes in helping individuals manage stress, anxiety, and life transitions. They focus on building coping strategies, strengthening emotional wellbeing, and supporting personal growth across different stages of life.

Specializes in helping couples and families work through communication challenges, conflict, and relationship stress. They focus on strengthening connection and resolving issues within the context of family dynamics.

Marriage & Family Therapist

Trained to assess, diagnose, and treat a wide range of mental health conditions using evidence-based therapies. They often provide in-depth assessments and long-term treatment plans.

Psychologist
Psychotherapist

Supports individuals in addressing emotional and psychological challenges through talk therapy and other therapeutic techniques. They help build coping strategies, improve self-awareness, and foster personal growth.

Helps clients navigate both emotional struggles and practical life challenges, like housing, employment, or access to resources. They blend counseling support with connecting people to community and social services.

Social Worker (RSW)
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How PolicyMe’s Health Insurance works

We’ve made this super simple - there’s no need to dig up old records or paperwork. In case you need it, we have expert advisors ready to help every step of the way.

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Need help with mental health coverage? Speak with an advisor

Needs Analysis: get help choosing the right plan

Benefits Breakdown: understand how to maximize your coverage

Q&A: learn everything you need to know about your policy

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Reviews matter. And we've got hundreds of them

Anonymous

Easy sign up process, great benefits structure compared to other, reasonable pricing.

Excellent service. Fast response. Great benefits.

Derek Wallaker

Looks promising and affordable insurance policy prices.

Srikanth Ketha

My third policy with them; very easy process and clear with terms and conditions

Ashwin Shenoy

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FAQ: Mental Health Insurance quotes in Canada

Remind me, what is PolicyMe’s Mental Health coverage?
PolicyMe offers a number of various health insurance plans with mental health coverage. While there are a range of plans, generally you can expect annual coverage limits of $500-$1300 with a reimbursement of $75-$100 per session. Examples of mental health
practitioners that are covered include:
  • Clinic counsellor
  • Registered marriage & family therapist
  • Psychologist
  • Psychotherapist
  • Social Worker (RSW)
Is online therapy covered under private health insurance?
Not all plans cover virtual mental health services. Some may require the provider to be licensed in your province or limit reimbursement to in-person sessions. Check if your plan explicitly mentions coverage for virtual or telehealth therapy.
Can I combine public and private coverage?
Yes. For example, your provincial plan may cover a psychiatrist, while private insurance could help cover psychologists or therapists. However, you can’t usually claim the same session under both. It’s one or the other.
What happens if I max out my yearly mental health benefits?
Once you reach your plan’s annual maximum, you’ll need to cover the remaining costs out of pocket, unless you qualify for additional support through an EAP (Employee Assistance Program) or community mental health services.
Are mental health services tax-deductible in Canada?

Yes. Therapy sessions from licensed practitioners (e.g., psychologists, registered psychotherapists, clinical social workers) are generally eligible medical expenses on your tax return. You must keep your receipts and meet the minimum expense threshold


Do student health plans include mental health coverage?

Many post-secondary institutions offer student health plans that include limited mental health benefits. Coverage often includes short-term therapy and counselling, and may integrate with on-campus services. Always confirm details with your student union or health services office.

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Find out how PolicyMe can support your mental health needs with flexible, affordable plans

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PolicyMe is a partner of Securian Canada, a subsidiary of Fortune 500 company Securian Financial. We’re a Canadian insurance administrator that makes financial protection simple and affordable.

PolicyMe is a Canadian technology company revolutionizing the life insurance industry. © 2026, PolicyMe Corp. (FSRA #36783M.; AMF Client # 3002916818) offers policies issued by Canadian Premier Life Insurance Company (operating as Securian Canada).


PolicyMe is licensed to operate in: British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Prince Edward Island, Newfoundland and Labrador, Nova Scotia, Quebec (Insurance of Persons), Yukon, Northwest Territories, and Nunavut. Always refer to your insurance policy for information about your coverage, including applicable limitations and exclusions. In case of a discrepancy, your insurance policy prevails over general information available on this website or other print and digital media.


Pricing comparisons on this website or in other print and digital media are based on a review of current publicly available rates. Depending on your application details, actual pricing and savings may vary. The time to obtain a recommendation, complete an application or obtain insurance is based on average customer experience. In some cases additional underwriting and medical exams may be necessary and require additional time. Coverage may not always be available.PolicyMe headquarters are located at 60 Adelaide St E, Toronto, ON M5C 3E4, Canada. Please note that our customer service representatives are only available via call or email.